Date Received: 2020-02-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Under North Carolina Law, Section 1-52.1 of the North Carolina Rules of Civil Procedure explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. Credit Acceptance ( C.A. ) has failed to honor NC law in a timely manner, in addition, C.A. has misrepresented itself by stating to the consumer it is a debt collector, in contradiction, the NC Department of Insurance has confirmed that C.A. is a " standard finance company, NOT a collection agency ( view attachments Exhibit # 1 & # 2 ). C.A. it has been confirmed that C.A. without documentation of a thorough investigation accepted fabricated documents from the Dealership ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX-XXXX ) without sufficient information to conclude that the consumer did not authorize the electronic contract ( See attachment ). To prove professional negligence, fraud, and professional misconduct between the dealership and C.A., the dealership never responded to the NC Attorney General ( See attachment ). Moreover, the consumer filed a complaint with the NC DMV License and Theft Bureau and the investigator could not locate the fraudulent dealership who was supported by C.A.. The dealership ripped numerous consumers off and could not be found. I filed a I.D . theft report with FTC since Credit Acceptance NEVER conducted a thorough investigation providing a time, date, agent I.D., and report number that should have concluded with a detailed explanation of the investigation. C.A. lied to the consumer but conspired with the dealership to conduct an unlawful transaction. C.A. stated that they can not locate the vehicle, nor dealership and will not repo the vehicle because they have no interest, but C.A. continue without merit report to XXXX and XXXX a debt that I never authorized electronically. The numbers are fabricated. The dealership submitted documents that display my incorrect address, down payment amount, no notary seal etc, and some documents were electronically submitted and others hand written by dealership ( see 1st attachment 1 thru 11 ). I received copies from C.A. after numerous disputes. XXXX removed C.A. from my report due to unsubstantiated credit reporting. C.A. is trying to collect even while approaching the expiration of this unlawful debt that is unsubstantiated. I purchased vehicle on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX ) / Salesmen : XXXX ( last name unknown ). I put down a cash deposit of {$970.00} and incorrectly contract states {$2000.00} XX/XX/XXXX, vehicle breaks down, vehicle was towed to residence at owners expense and diagnostic completed by XXXX XXXX XXXX at owners expense ( See Attachment ). XXXX / XXXX states and confirms with consumer and Credit Acceptance that XXXX XXXX will pick up vehicle repairs XX/XX/XXXX. XXXX picked up vehicle. During a 60 day period XXXX stated via archived voicemail to consumer that vehicle is being worked on and fixed with XXXX mechanic. During this 60 period, consumer rented numerous of vehicles to commute to work at consumers expense. XX/XX/XXXX, XXXX via voicemail offered loaner vehicle in exchange that consumer remove XXXX complaint per XXXX ( salesmen ) XX/XX/XXXX, XXXX stated they were closing and consumer will need to pay {$1000.00} to mechanic for repairs due to consumer damages. XX/XX/XXXX, consumer requested a mechanical report from XXXX. XXXX nor XXXX mechanic furnished request. XX/XX/XXXX thru XX/XX/XXXX, consumer started receiving harassing calls from numerous individuals trying to represent XXXX saying " turn in our loaner vehicle '' call stopped after XXXX Police were notified. XX/XX/XXXX after vehicle location was shared from Credit Acceptance Finance Co the mechanic within days moved to another undisclosed location without notice of where my vehicle is and XXXX stated to stop all communication within because it was harassing. '' At approximately XXXX EST on XX/XX/XXXX while at work, I walked out to get my lunch from the loaner vehicle that XXXX XXXX XXXX provided in lieu of repairing my XXXX XXXX that location and status are still unknown from 60 days ago ... the loaner is gone with my lunch and most importantly private and confidential documents that I need for my court dates.. Yes, someone at XXXX XXXX XXXX came and took the loaner vehicle unannounced. I have no clue where the loaner is nor my personal property. End result, now I have no personal vehicle that I purchased on XX/XX/XXXX from XXXX XXXX XXXX, no loaner vehicle, nor my personal confidential information that includes SS # and DOB documents. Please help me retrieve my important personal items ... To date XX/XX/XXXX, XXXX XXXX XXXX fail to provide the location of my personal vehicle, XXXX XXXX XXXX reps fail to disclose their full names and location, updated mechanical report of my XXXX, in addition stated via email on XX/XX/XXXX at XXXX EST that my items will be dropped off at a Police Station and to date I have not heard nothing in relation to where to retrieve my personal items and vehicle. This is not how business is conducted. This all a scam and C.A. conspired with the Dealership and continue to do business with them which is undisclosed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with Credit Acceptance. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of XXXX, our car that we had financed through Credit Acceptance Corporation was involuntarily repossessed because of a bank error causing our payment to be one day late. They placed the car in a claiming lot that would charge us {$500.00} to get it out, after the payment was made. We could not afford to do that so we let the car go. A few months later we did receive an official letter from CAC stating the car had been auctioned and that we owed {$8700.00}. We contacted the number on the paper. We do not have the paper still and made arrangements to begin paying the debt in the amount of {$100.00} a month. We continued paying through XXXX of XXXX, when we became aware that CAC was not reporting the payments to the credit bureaus. We had never been able to obtain a letter stating how much remained of our debt even though we requested it at each payment over the phone. My husband made several attempts to speak to a CAC representative about our account but no one could provide us with any information. He was finally able to connect with a manager in the collections department who found out our account had been closed at some point without our being notified. When we asked what had been happened to our payments she had to investigate. It took over a week and she informed my husband when he called that the money was sitting technically in this closed account in limbo. The remaining balance of {$7600.00} never fluctuated after our first year of payments began. The money sitting in limbo was never applied. She ( the manager ) told us another account had been opened for us but was being closed due to inactivity. We had never been informed about the account. This manager also told us that we would likely see a check with that money being returned within 6 months. We never received the money. She stated to my husband that she could not send him anything in writing as she was not allowed. The account showed as closed soon after XX/XX/XXXX and we had no activity on it until XX/XX/XXXX, when CAC suddenly posted on our credit report that we had missed a payment that month. We are not disputing that money was owed. We are disputing that the account was suddenly opened to report a late payment in XXXX and that the money we had been paying, which we had never been able to find out how much that was, was never applied to the account or returned to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: About XXXX XXXX, I was contacted by Credit Acceptance to collect a debt from me totaling {$9900.00}. The agent stated to me that he was an employee of the collections department of Credit Acceptance, as they do all of their debt collecting in-house. Then then stated that the company was willing to settle on the debt for {$3900.00}. I told him that if he could give me until the first of the year, I would definitely be willing to pay that amount. He responded that was doable as long as I paid {$100.00} before XX/XX/2019, to lock in the settlement. I asked him specifically, if I paid this, would the company would be willing to delete this discrepancy from my credit report and he responded yes. So, asked if I could have in writing these terms and he said that he would be sending them via postal services. No more than 1 week later, I received the letter, however, it didn't reflect the information that the account would be deleted from my credit as promised once payments were satisfied. I called back to Credit Acceptance and explained the situation and what I was expecting. This time, I spoke to his alleged supervisor for his department and she informed me that the gentleman didn't give me true Information, as deleting the account was not something that could be accomplished. So, at this point, I was told one thing by one employee and then something completely different by another employee of the same company and same department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like Credit Acceptance to provide a document from XXXX XXXX XXXX that confirms the sale amount of a car that was repossessed on an account with my name listed on it. This is needed to ensure the balance on the account is correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My first issue is with XXXX ( XXXX XXXX Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX-XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. I went to use my card at XXXX and it didnt work. I tried to call XXXX but was referred to a collection agency XXXX. At that point XXXX would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? That conversation was XXXX at XXXX am. The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with Credit Acceptance and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until 4-5pm and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach XXXX at all, just the collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.
Company Response:
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Why is the federal government letting these loan shark subprime lenders get away with giving poor people with fair credit 23 % interest rate car loans. This is not fair they are making XXXX of dollars a year. In 1990 I had bad credit and got a car loan at 10 % interest rate from XXXX XXXX. How do you let this people get away with this usury. Please stop the madness. Please help us, we are suffering.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We purchased a XXXX XXXX XXXX and increased our payments to get the vehicle paid off within XX/XX/2020. They claim they never got the extra payments or they were not applied correctly. They have done this, as well as selling lemons as well. Check your Attorney Generals office. Theyve lost quite a few cases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55075
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A